The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 8 points (55 → 63), mostly because the capital cushion component improved by 35 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in New Jersey

Yes. OceanFirst Bank, National Association is an FDIC-insured institution (FDIC certificate #28359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.8% of deposits ($9.3B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.91% (benchmark: 10%).

Check how much of your own balance is covered

OceanFirst Bank, National Association lists 73 offices in 53 cities across 3 states. Most locations:

• Brooklyn, NY (6)
• New York, NY (6)
• Flushing, NY (4)
• Toms River, NJ (3)
• Bayside, NY (2)
• Brick, NJ (2)
• Bronx, NY (2)
• Melville, NY (2)
• New Brunswick, NJ (2)
• Astoria, NY (1)
• Atlantic City, NJ (1)
• Bridgeton, NJ (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 35 consumer complaints about OCEANFIRST FINANCIAL CORP. to the company (14 in the last 12 months). 100.0% received a timely response. That is 1.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, OceanFirst Bank, National Association reported 3,556 home-loan applications under HMDA (LEI 5493002N5168AC238149): 2,638 originated ($1,165,020,000 total), 325 denied, and 271 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

OceanFirst Bank, National Association

Former names

Ocean Federal Savings Bank; Ocean Federal Savings and Loan Association; OceanFirst Bank

Type

National bank

FDIC certificate #

28359

RSSD ID

85472

Primary regulator

OCC

Holding company

Oceanfirst Financial Corp

Established

January 1, 1902

Headquarters

975 Hooper Ave, Toms River, NJ 08753

Website

www.oceanfirst.com

Employees

1,489